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Übertragbarkeit von Alterungsrückstellungen in der privaten Krankenversicherung

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  • Volker Meier

Abstract

Die Private Krankenversicherung (PKV) in Deutschland ist ein System lebenslanger Verträge. Im Rahmen derartige Verträge findet ein Kapitalaufbau für jeweils eine Altersgruppe statt. Wenn die Versicherten jung sind, übersteigt die Prämie die Ausgaben des Versicherers. Die Sparbeiträge werden verzinst, und die Überlebenden eines Geburtsjahrgangs erben die Sparbeiträge ihrer verstorbenen Altersgenossen. Der auf diese Weise aufgebaute Kapitalstock dient zur Senkung der Versicherungsprämien im Alter. Seit einigen Jahren wird die Regelung diskutiert, dass ein Versicherter, der seinen Versicherer wechseln möchte, keinerlei Ansprüche auf Mitgabe der von ihm mit aufgebauten Alterungsrückstellung hat. Viele Ökonomen sehen darin eine erhebliche Beeinträchtigung des Wettbewerbs. In einem Gutachten des ifo Instituts im Auftrag des Bundesministerium der Finanzen werden in einer Reihe von Simulationsrechnungen die übertragungsfähigen Anteile der Alterungsrückstellungen ermittelt.

Suggested Citation

  • Volker Meier, 2003. "Übertragbarkeit von Alterungsrückstellungen in der privaten Krankenversicherung," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 56(24), pages 5-8, December.
    • Handle: RePEc:ces:ifosdt:v:56:y:2003:i:24:p:5-8
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    References listed on IDEAS

    as
    1. Pauly, Mark V & Kunreuther, Howard & Hirth, Richard, 1995. "Guaranteed Renewability in Insurance," Journal of Risk and Uncertainty, Springer, vol. 10(2), pages 143-156, March.
    2. Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 14.
    3. Cochrane, John H, 1995. "Time-Consistent Health Insurance," Journal of Political Economy, University of Chicago Press, vol. 103(3), pages 445-473, June.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Private Krankenversicherung; Gesetzliche Krankenversicherung; Deutschland; Wettbewerb; Rückstellung; Kapital;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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